DH and I have been going back and forth on when will be the right time for our family financially as well as emotionally to have our second and final LO. We really wanted to pay off our debts and have a decent amount saved so that I can stay home for a while after baby #2 is born (we couldn't afford to pay $170/week X 2 for childcare for both kids!) so we have finally devised a plan! We have consolidated our two credit card debts into one low interest loan through our bank which between monthly payments and DHs bonus in Oct should be paid off by spring/summer 2016. We will then save the same amount that we had been paying toward the loan and put into savings each month so that will give us a few thousand by the time he gets his next bonus oct 2016 (we will also put all that in savings). We hope to start trying to conceive in sept 2016 so that we would (lord willing!) have a summer 2017 baby. This way we will have our debts paid off and good amount in savings so that I can give notice at work mid pregnancy if I need to (if I'm severely sick again like last pregnancy) and if not I'll try to work as far into the pregnancy as I can so we can continue to save! Anyone have any advice or in a similar boat? I also have several other goals for this year before TTC...get life insurance policies for DH and I, have a will made up, organize the house a little more, etc.